Introduction
DPA Associates Ltd are committed to providing our customers a service whereby we shall endeavour to claim back mis-sold PPI or PBAs. We aim to provide a professional, simple to use service. We must make you aware that you are free to make a claim yourself directly with the lender and. if you are not happy with the outcome given by your lender, you have the right to go through the Financial Ombudsman Service.
Our Terms and Conditions are important and form the basis of our contract with you, please read them carefully and keep them for future reference. Our staff are here to help, if however, you feel the need to make a complaint, you can do so by visiting our website at www.dpaclaims.co.uk/complaints

Definitions
DPA Associates Limited, is a limited company and a third party claims handler, regulated by the Claims Management Regulator in respect of regulated claims management activities Authorisation No. CRM28637 and registered in England and Wales with No. 07811600 having its registered and trading offices at: Office 12, Scott Bader Innovation Centre, High Street, Wollaston, NN29 7RL.

“Services” means the services provided by DPA Associates including validating, preparing, submitting and negotiating your claim with the lender.
“Compensation” means any one or more of the following or a combination of them:
• a refund paid directly to your account
• a refund paid by cheque
“Fee” means the fee payable to DPA Associates for Services as described in clause 4.
“Us” and “we” means DPA Associates or anyone to whom we transfer our obligations and rights under this agreement.
“You” means you, the person(s) entering into this agreement.

1. Your obligations
By signing and returning these terms/conditions and the letter of authority you agree to:
a. Accept these Terms and Conditions and that it forms a binding contract;
b. Agree that if the Compensation is awarded we will invoice you direct for the Fee which will become payable within 7 days. If this Fee is not paid in full within 28 days of the dated invoice we may commence debt collection proceedings to recover the debt owed to us.
c. Still be liable for our Fee if you reject any reasonable compensation offer. A reasonable offer is one made in accordance to FCA, FOS and FSCS rules. An offer made by a Court of Law would also be deemed reasonable.

2. Our obligations
a. We are obliged to offer best advice in accordance with all the laws, regulations and procedures in force from time to time
b. We shall consult with you either over the telephone or in person whichever is agreed with you:
c. We shall receive information and documents provided by you and treat it as being true, accurate and confidential;
d. We shall use our reasonable endeavours to obtain Compensation for the claims which are pursued;
e. We shall accept no liability for any unsuccessful claim or for the amount of Compensation achieved in respect of any successful claim unless either the failure of such claim was due to or the amount of Compensation granted to you was affected by our negligent act or negligent failure to act.
f. We shall promptly notify of your claim status and outcome.
g. We shall keep you informed by post, telephone, electronically or via mobile devices about messages, offers, products and services which may be of interest to you only if you have given your consent to do so and at all time in accordance with the Data Protection Act 1998 and all other relevant regulations and codes of practice.

3. Cancellation terms
You have 14 days in which to cancel your contract with us from the date of signing these terms. You are still permitted to cancel the contract after the 14 day cooling off period but if you do so we shall charge a fee that is reasonable in the circumstances and shall reflect the work undertaken by us at a rate of £50/hour or if the work undertaken by us has led to the awarding of reasonable compensation, you will remain liable to pay our full Fee. A reasonable offer is one made in accordance to FCA, FOS and FSCS rules. An offer made by a Court of Law would also be deemed reasonable. If you wish to cancel you may do so by post, by email, in person or by phone. We have included a cancellation form for you to use if you wish. It can also be accessed at https://dpaclaims.co.uk/wp-content/uploads/2016/08/Cancellation-Form.pdf.

4. Fee
The fee that you are required to pay to us for our Services is 25% of the Compensation offered to you plus VAT (currently at a rate of 20%) of the Compensation offered to you or to DPA Associates on your behalf. Our fees are payable by you after the compensation has been awarded. Examples of the fees are as follows:

Total Compensation Of which cash Loan Reduction Fee (inc VAT) Customer Receives
Example 1 £3000 £3000 £0 £900 £2100
Example 2 £3000 £1000 £2000 £300 £700
Example 3 £3000 £0 £3000 £0 £0

If we choose to refer your claim to another Claims Management Company we may charge them a fee, but you will not incur any additional costs as they will be bound to follow these terms and conditions. We shall ensure that if we refer your claim to a third party such third party shall comply with these terms and conditions. In some cases, the compensation may have tax deductions included, our fees will be on the gross compensation.

5. Your Options
We have to make you aware, before you commit to use our service, that you have the right to make a claim yourself directly by contacting the lender and, if you are not satisfied with the outcome given by your lender, you have the right to go through the Financial Ombudsman Service. You also have the right to seek alternative advice from other organisations.

6. Complaints
We aim to provide a highly professional service and have procedures for handling complaints fairly. Should a complaint arise please contact our Compliance Officer by phoning the office on the following number 01933 213190, by email at support@dpaclaims.co.uk or in person or writing to us at, DPA Associates, Complaints, Office 12, Scott Bader Innovation Centre, High Street, Wollaston, NN29 7RL. If you remain dissatisfied you may refer your complaint to the Legal Ombudsman, PO Box 6806, Wolverhampton, WV1 9WJ. Our full complaints procedure is enclosed in our pack and on our website www.dpaclaims.co.uk/complaints.

7. Governing Law
a) This contract will be subject to the laws of England and Wales.

Joint applicants must both sign the documentation. Last updated 25/09/16